In modern society, everyone and every family will encounter some financial problems to some extent. Besides borrowing money from relatives and friends, it is a more convenient and quick way to find a lending institution. There are many loan channels now. Where is it safer to get a loan? Today we will briefly introduce it.
First, where is the loan safer?
1. Bank: The most common loan channels can be divided into central banks, policy banks, commercial banks, investment banks and the World Bank. Among them, commercial banks have extensive contacts, such as ICBC, Agricultural Bank, Bank of China, China Construction Bank, Bank of Communications and China Merchants Bank. And some private banks such as Weizhong Bank and Online Merchant Bank, and some city commercial banks such as Changsha Bank and Dongguan Bank also exist in each city.
2. Consumer finance companies: companies approved by the CBRC lend with their own funds and do not absorb user deposits. Unlike banks, they are non-bank financial institutions, and the loans are relatively formal and safe, but the interest is higher than that of banks, faster than the next one, and the threshold is low.
3. Regular licensed institutions: Now the loan industry has been standardized a lot, and you must hold a formal loan license to engage in loan business. Therefore, before applying for a loan, you must carefully check whether you have relevant qualifications, so that safety can be guaranteed.
2. Where else can I get a loan?
Private loan company: As long as it is a formal company with a business license and engaged in credit business, and the loan process and expenses meet the state regulations, it will be protected by law. Compared with bank financial institutions, the threshold of private loan companies is much lower, and users with general personal qualifications can consider it comprehensively.
Where can I get a loan?
Peer-to-peer loans, micro-loans, bank loan products and policy loans are all available.
1, peer-to-peer lending
With the development of Internet, peer-to-peer lending is now a very common way to borrow money. Various P2P platforms can be lent to you as long as they are approved, and the interest is quite high.
2. Microfinance loans
As can be seen from the name, this kind of loan does not need collateral, no guarantee, and depends entirely on credit. However, the audit is extremely strict, and only state-owned enterprises, central enterprises, civil servants, listed company personnel, lawyers, etc. can enjoy it.
3. Bank loan products
For example, lightning loan, quick loan these. Go to the Bank of official website and you can see the introduction. If necessary, only interest is calculated. Loan platforms and companies. There are many loan platforms and companies that can borrow up to 65,438+million, and the threshold is low and the next payment is fast.
4. Insurance policy loans
If you fail to repay the loan, you will directly deduct the principal and interest from your policy until the contract is terminated. Anyway, the insurance company won't lose money, just mortgage the policy to it, and it will lend you money to charge interest.
Extended data
1. Bank cash installment. Almost every bank has its own cash installment product, which overdraws from the bank card like withdrawing money and repays in installments, and the interest rate is slightly higher than the formal loan of the bank.
2. Internet finance. For example, Ali borrows money and Jingdong Finance makes small loans. However, the interest rate is very high. For example, the annualized interest rate of Ali's loan is almost 15%.
3. Credit card cashing. Special emphasis: credit card cashing is risky, and it is likely to be banned and blacklisted by banks. This is a helpless move that bank loans and cash installments are not feasible and money is urgently needed.
4. Other companies are everywhere, with high interest rates, almost all above 20%, and various hidden costs. If it is not life-saving money, it is still not recommended.
I want to apply for a loan. Where can I get a loan?
I. Loan platform
1, Alipay Ant Borrow (version 10.2.33.80000)
Ant loan is a credit product of Ant Financial. You need a sesame credit score of 600 or above to apply. Interest is calculated on a daily basis, with the daily interest rate of 0.0/kloc-0.5%-0.06%, with a maximum of 300,000 yuan.
2. Auction loan (version 9.9.7)
Auction loan is an ancient loan platform. The better the applicant's credit status, the lower the loan interest rate. The expected annual interest rate per month is about 1% to 2%, and loans are provided from 300,000 to 500,000.
3. Xiaomi loan (version 5.11.0.3822.438+0824)
Xiaomi loan is a credit product launched by Xiaomi Finance and a pure credit unsecured loan product of Xiaomi users. The interest is calculated at the daily interest rate of 0.5%, and the maximum loan is 1 ten thousand yuan.
4.JD.COM gold bars
JD.COM Gold Bar is a credit product of Jingdong Finance (Version 6.2.40), and another product of Jingdong Finance, JD.COM White Bar, is very popular. The maximum loan amount of JD.COM gold bars is 200,000 yuan, and the daily interest rate is between 0.04% and 0.095%.
Second, bank loans.
1, fast loan from China Construction Bank
The personal credit loan products of China Construction Bank are mainly "quick loans". The fast loan of China Construction Bank can provide you with a credit of up to 5 million yuan, mainly for online application, covering withdrawal and shopping.
2. ICBC financing electronic loans
China Industrial and Commercial Bank Rong Loan ranks second in the latest top ten bank credit loan list. ICBC Financial E-loan can provide you with loans as low as 600 yuan and as high as 800,000 yuan, with a service life of 5 years.
3. Electronic loan of China Merchants Bank.
E-loan of China Merchants Bank is a bank credit loan product specially provided for credit card users of China Merchants Bank. The loan amount can reach 300 thousand, which can be borrowed and repaid at any time, and the speed of making money is also very fast
4. E-commerce loan from China Bank.
Bank of China E-loan is an online loan product of China Bank. The whole process can be applied through the network. The loan amount can reach 300,000 yuan, and the service life is 12 months.
5. Bank of Communications Xiang Hao Loan
Bank of Communications Xiang Hao Loan ranks fifth among the top ten banks in terms of credit loans. Bank of Communications enjoys a pure credit loan, the amount of which depends on the borrower's situation, and the repayment period is 3-24 cycles.
6. Consumption of Minsheng Bank
Minsheng Bank consumption is a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary. Apply for a credit loan such as a tax bill.
7. CITIC Bank Credit Secondary Loan
CITIC Bank Credit ranks second and seventh in the latest top ten bank credit loan rankings. The second credit loan of CITIC Bank can provide qualified customers with a loan of up to 300,000 yuan, with the shortest loan term of 1 month and the longest loan term of 12 months.
8. Shanghai Pudong Development Bank Integral Loan
Pudong Development Bank can provide loans of up to 300,000 yuan for people aged 18-60. The treatment process only takes about 3-5 minutes.
9. Online fast loan of Agricultural Bank of China.
China Agricultural Bank's online fast loan is mainly for specific customers, and it can only be applied after the Agricultural Bank of China handles the housing loan. Agricultural Bank of China's online agile loan, with its advantages of online application, quick approval and repayment at any time, ranks ninth among the top ten banks.
I want to apply for a loan. Where can I get a loan?
You can apply in our e-banking channel, and the way to apply for a loan is as follows: 1. At present, China Bank supports customers in some parts of China to apply for loans in e-banking. Please select from the drop-down menu of online loan application function of personal online banking and mobile banking or the map of official website online loan application function of our bank in China. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu. 2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.
The above contents are for your reference. Please refer to the actual business regulations.